Employee healthcare solution
Put healthcare dollars where they belong: In your pocket.
It's time to take control over your own healthcare decisions. With Paytient, you can say "yes" to the care you need, when you need it1. No fear, no delay, just a quick tap.
Download the app:
How it works
Your ticket to healthcare freedom.
Sponsored by your employer, insurer, or health system, Paytient gives you a Health Payment Account (HPA) that acts as a wallet for paying out-of-pocket healthcare costs2. Just tap your Paytient card or app at the point of care, and repay over time with zero interest.
Sign up
Create your account online or in the app, and your virtual card and purchasing power are instantly available1.
Swipe
Use your card at your provider, pharmacy, or any eligible care vendor2. To see where you can use Paytient, log in or open the app.
Split
Choose a flexible Paytient repayment plan that fits your budget. Payments are automatically deducted on the schedule you select.
Download the app:
Key benefits
Your health. Your call.
Paytient's mission is to provide financial flexibility to all our members from day one—because access to care shouldn't be dependent on credit scores3.
Care without delay
Say yes to care when you need it, with a clear and comfortable way to pay. No need to skip appointments or prescriptions.
You decide
Choose the care that fits your life, needs, and priorities2, and set your own repayment schedule.
Earlier care, fewer crises
When you can afford to opt for early care, small problems don't become big emergencies.
Protect your financial security
No interest. No fees. No credit check3. Keep your savings and tax-advantaged accounts intact5.
Wellness without limits
Pay for medical, dental, vision, pharmacy, and mental health care — whether it's covered by your plan or not2. Some plans may include veterinary care.
Without Paytient, it's between gas and groceries or medical care. I have been with my company for 26 years, and this is the first time we've had a benefit like this.”
Cost comparison
See how your savings stack up.
Why put healthcare expenses on a high-interest credit card when you can repay with no fees, on your own timeline1?
To see the difference for yourself, crunch the numbers in our Savings Calculator.
Paytient makes this comparison using the following assumptions to calculate savings:
Paytient makes this comparison using the following assumptions to calculate savings:
We assume an average credit card APR of 22.8% based on the CFPB’s latest Credit Card Market Report.
We assume the cardholder pays 2% of the balance or $25.00, whichever is greater per month, and accrues interest until the total balance is repaid.
Refer to your Paytient account to see your credit limit and repayment terms.
Transactions cannot be split into amounts less than $5.00.
Real people. Real relief.
No moredelayed care
80%
of members accessed care they would have delayed or skipped
Replacing fearwith confidence
94%
of members reported that Paytient relieves financial stress
Everyonebenefits
78%
of members say they're healthier because of Paytient
No moredelayed care
80%
of members accessed care they would have delayed or skipped
Replacing fearwith confidence
94%
of members reported that Paytient relieves financial stress
Everyonebenefits
78%
of members say they're healthier because of Paytient
* Results from our 2025 Paytient Member Survey
I’m already eligible.
Readily access your virtual card1.
No credit check3.
Share Paytient with my employer.
Ready to help your company save and your team thrive? Make the case for Paytient as the ultimate win-win.
FAQs
Get answers to common (but key) questions about Paytient.
Who is eligible for Paytient?
Paytient is an employer-sponsored employee healthcare benefit. Your Paytient coverage is tied to your job or health plan, so if your employment or health plan coverage ends, so does your access to Paytient.
Paytient Health Payment Accounts (HPAs) can be used to pay for care for the cardholder as well as their loved ones.
Is there a membership fee and/or credit check3?
No. Unlike traditional healthcare financing solutions, Paytient offers true 0% interest with no credit check.
We ask members to self-report income and expenses during onboarding before we extend credit to ensure we lend responsibly and comply with federal and state lending regulations.
Your employer or your health plan pays a fee per member per month to make your Health Payment Account available to you. You pay back what you spend on your HPA and not a penny more!
Where can I use my Paytient Health Payment Account (HPA) card?
Your Paytient HPA card works wherever Visa® is accepted2 to cover care in categories (e.g., medical, dental) approved by your employer or health plan. Some plans even include vet care! If you are a member, log in to your account for more details, or reach out to our customer support team for help.
You CANNOT use your Paytient card at an ATM to withdraw cash. Attempting to use your card at an ATM may impact your access to Paytient and could result in account closure.
Can I use my HSA or FSA to repay my HPA balance4?
Cover qualifying* expenses by connecting your HSA or FSA account through Plaid as a payment method in your Paytient Health Payment Account. Veterinary expenses ARE NOT covered with an HSA or FSA5
All charges made to the Paytient card must be repaid according to the terms outlined in the cardholder agreement.
* Please refer to the IRS website to determine whether transactions qualify as HSA/FSA expenses — and remember to always keep your receipts!
Can I use my Paytient HPA to cover previous medical bills6?
Yes. Your HPA can be used to pay bills still owed to providers, as long as they are not being collected by a different party other than the provider.
Can I pay off my balance sooner or adjust my payment plans ?
With interest-free patient financing, you choose a repayment schedule that fits your budget. You can pay off your balance early through the Paytient app with no penalties or fees!
Paytient understands circumstances change. Our support team is happy to work with you to see if you qualify for an adjustment to your payment plan. Chat with customer support in the app, call 866-345-9591, or email hello@paytient.com for assistance.